Hilton Honors Surpass Card 100,000 Bonus Offer

If you have never had this Surpass American Express credit card from Hilton, this might be something you want to jump on. 100,000 Hilton points sounds like a lot, but if you start checking out Hilton hotels and point values, you may find they don't go very far. But it depends how you use them. I got 100,000 Hilton points in a bonus offer a few years ago and here's how I have spent my points so far:

1. 20,000 points - 1 night at the Hilton Downtown Quito, Ecuador
2. 10,000 points - 2 nights at the Hilton Krakow Poland
3. 10,000 points - 1 night at the Hilton Warsaw Poland

And I still have 60,000 points left. A lot of Hilton hotels will run you 30,000-50,000 points per night, but there are some hotels out there in the sweet spot.
So the Surpass card has a $3,000 minimum spend and a $75 annual fee which is not waived. 

There is a free version of this card as well called the American Express Hilton Honors. Spend $2,000 in the first 3 months and you get 80,000 bonus points. So if you don't need the extra 20,000 points, this might be a better card for you and you can save paying the annual fee.

The secret to this card is planning. Where do you want to go and does this card make sense for you. It's all about almost free family travel.